Step 1: Fill out the benefit payment application.

Step 2: Collect the required documentation together with your benefit payment application (for the list of documents see the Terms and Conditions of the Insurance).

Step 3: Submit the required documentation to the nearest Bank Millennium branch.

Remember that you may also submit the required documents directly to the Insurer (TU Europa S.A. for Temporary Incapacity to Work Insurance, Accidental Death Insurance, Permanent Income Loss Insurance, Hospitalisation Insurance, or TU na Życie Europa S.A. for Death Insurance, Total Incapacity to Work Insurance, Disability Insurance, Serious Illness Insurance, respectively) in one of the following manners:

• in writing to the address: ul. Gwiaździsta 62, 53-413 Wrocław,
• through the TU Europa’s communication tool at www.tueuropa.pl website,
• on TU Europa S.A. Infoline at 801 500 300 or 71 36 92 887 (from Monday to Sunday between 7.00 and 22.00),
• in person or through your representative at the Insurer’s head office.

TU Europa S.A./TU na Życie Europa S.A. reviews the claim within 30 days from the date of receiving notification about occurrence of insurance event.

TU Europa S.A./TU Europa na Życie S.A.

REGIONAL OFFICE IN WARSAW
00-124 Warsaw
Rondo ONZ 1

REGIONAL OFFICE IN WROCŁAW
53-413 Wrocław
ul. Gwiaździsta 62

bok@tueuropa.pl

TU Europa S.A. Infoline at 801 500 300

The Policy Holder may withdraw from the Insurance Agreement through submission of his withdrawal statement within 30 days from one of the following dates: the day of concluding the Insurance Agreement or start date of the Insurer’s liability, whichever later (provided that there have been no triggers for payment of the insurance benefit). In such a case, the Insurer returns the full premium.

The insurance agreement may be terminated at any time through submission of statement on agreement termination. In such a case, the Insurer returns part of the premium for the unutilised protection period. The returned costs of the insurance protection reduce the amount of the loan to be repaid.

Withdrawal/termination of the insurance agreement may result in the change in the loan interest rate in accordance with the Price List.

Step 1: Fill out the application for benefit payment

Step 2: Prepare the necessary documentation along with an application for benefit payment (the list of documents can be found in the Terms and Conditions of the Insurance).

Step 3: Submit the required documentation to the nearest branch of Bank Millennium.

Remember that you may also submit the required documents directly to the Insurer (to TU Europa S.A. as regards Temporary incapacity for work insurance, Accidental death insurance, Permanent income loss insurance, Hospitalisation insurance, or to TU na Życie Europa S.A. as regards Death insurance, Total incapacity for work insurance, Disability insurance, Serious illness, respectively) in one of the following ways:

• in writing addressed to: ul. Gwiaździsta 62, 53-413 Wrocław,
• via a communication tool made available by TU Europa at www.tueuropa.pl,
• by calling the TU Europa S.A.’s info line at 801 500 300 or 71 36 92 887 (from Monday to Sunday between 7:00 and 22:00),
• in person or by a representative to the Insurer’s head office.

TU Europa S.A.

BIURO REGIONALNE W WARSZAWIE
00-124 Warsaw
Rondo ONZ 1

BIURO REGIONALNE WE WROCŁAWIU
53-413 Wrocław
ul. Gwiaździsta 62

bok@tueuropa.pl

TU Europa S.A.’s info line at 801 500 300

You may resign from the insurance whenever you wish through submission of your signed Insurance resignation statement at Bank Millennium’s branch.

If it takes place within 30 days from the day when the amount of the loan is disbursed, the costs of insurance protection will be returned in full. However,  if the resignation takes place after elapse of 30 days, costs of the insurance protection will be returned for the unutilised period of the protection.

The returned costs of the insurance protection reduce the amount of the loan to be repaid and therefore an annex to the loan agreement will have to be signed.

Note: Since 17.08.2013 there has been a new pricelist for the cash loan in force, whereby  resignation from cash loan insurance payment, no matter when it takes place, will result in increasing the interest rate of the loan by 2 p.p.

Damage or claim should be reported directly to PZU SA in one of the following manners:

• electronically, on the form posted at www.pzu.pl website (document attachment functionality is available for your claim report),
• at PZU SA Infoline at 801 102 102 or (22) 566 55 55,
• in person at PZU SA branch of your convenience.

The claim shall be reviewed within 30 days from the date on which PZU SA receives notification about the insurance event. Unless the amount of indemnity exceeds 5000 PLN, it is transferred onto the client’s account. If the amount of indemnity exceeds the current credit debt, the Bank transfers the balance onto the client’s personal account.

According to the T&C, the event notification should be submitted to the Insurer not later than within 7 days from learning about occurrence of the event.

PZU SA

PZU SA Info line at 801 102 102 or (22) 566 55 55.

For PZU branch address search engine visit www.pzu.pl website.

Powszechny Zakład Ubezpieczeń SA
Centrum Operacyjne Likwidacji Szkód i Świadczeń
ul. Postępu 18A
02-676 Warsaw

According to the T&C, the Policy Holder has the right to withdraw from the insurance agreement within 30 days from its conclusion and to terminate this agreement at any time during its term.

Withdrawal/termination of the insurance agreement is performed through submission of the Statement on withdrawal/termination of the Insurance agreement at the Bank’s branch or directly to the Insurer.

Building and Home Insurance constitutes security for the mortgage loan and therefore in case of withdrawal/termination of the insurance agreement, the client shall ensure security for residential loan/home equity/consolidation loan through assignment of rights under the insurance agreement concluded with another Insurance Company accepted by the Bank and fulfilling the minimum insurance coverage required by the Bank (insurance against fire and other accidents).

In order to file a claim the following information is required:

• CIF number of the borrower for whom the declaration was registered,
• date of credit disbursement.

Losses or claims should be reported directly to PZU SA in one of the following ways:

• on-line, by filling out a form posted at www.pzu.pl (documents may be attached to the report),
• by calling the PZU SA’s Info line at 801 102 102 or (22) 566 55 55,
• personally at any branch of PZU SA.

PZU SA transfers the indemnification information to Bank Millennium. Then, the Bank takes a case-by-case decision to transfer the amount for credit payment to customer’s account. In the next step, the Bank informs customer about the transferred indemnity by way of statement of the personal account.

Indemnity is paid within 30 days from the date when PZU SA receives notification about the insurance incident. If the amount of indemnity does not exceed 5000 PLN, it is always transferred onto the customer’s account. If the amount of indemnity exceeds the current credit debt, the Bank transfers the remaining part onto the customer’s personal account.

PZU SA

PZU SA’s Info line at 801 102 102 or (22) 566 55 55.

Search engine for the addresses of PZU branches can be found at www.pzu.pl.

Powszechny Zakład Ubezpieczeń SA
Centrum Operacyjne Likwidacji Szkód i Świadczeń
ul. Postępu 18A
02-676 Warsaw

Building structure and residential insurance constitutes credit collateral and therefore resignation from this insurance is possible, if customer:

• takes out insurance with another Insurance Company that is included on the list of Insurance Companies accepted by Bank Millennium, and
• if, after the Bank accepts the documentation concerning the insurance and adopts it as security for the residential loan, home equity loan or consolidation credit, the rights from the insurance agreement are transferred on the grounds of the assignment.

Note: If the credit agreement does not stipulate the possibility for individual insurance, change of the insurance requires annexing the credit agreements. Furthermore, in order to resign from the insurance, one should submit application for resignation from the insurance at Bank Millennium’s branch.

Step 1: Fill out the Event reporting form in accordance with the guidelines.

Step 2: Collect the remaining required documentation that differs depending on insurance event, along with the Event reporting form (for the list of documents see the General Terms and Conditions of the Insurance).

Step 3: Submit the required documentation to the nearest Bank Millennium branch or directly to the Insurer.

PZU Życie SA reviews the claim within 30 days from the date of receiving the notification about the event covered by the Insurer’s liability.

PZU Życie SA

PZU SA’s Info line at 801 102 102 or (22) 566 55 55.

For PZU branch address search engine visit www.pzu.pl website.

According to the T&C, the Policy Holder has the right to withdraw from the insurance agreement within 30 days from its conclusion and to terminate this agreement at any time during its term.

Withdrawal/termination of the insurance agreement is performed through submission of the Statement on withdrawal/termination of the Insurance agreement to the Bank’s branch or directly to the Insurer.

Life insurance constitutes security for the mortgage loan and therefore in case of withdrawal/termination of the insurance agreement, the client is under the obligation to ensure security for the residential loan/home equity/consolidation loan through assignment of rights under the life insurance agreement concluded with another Insurance Company accepted by the Bank and fulfilling the minimum insurance coverage required by the Bank (life insurance).

Step 1: Fill out the Incident report form in accordance with the guidelines and sign Statement of the person reporting insurance incident.

Step 2: Collect the remaining necessary documentation, which varies depending on the type of insurance incident, together with the above-mentioned forms (for the list of documents see the General Terms and Conditions of the Insurance).

Step 3: Submit the required documentation to the nearest branch of Bank Millennium.

In the next step, employee of the Bank’s Head Office prepares and submits to PZU a complete set of documents and cancels the standing order for premium collection. PZU Życie SA submits to the Bank the indemnity decision, which should be taken within 30 days from the day on which the report is received. If there are doubts as to the indemnification, the Insurer has 14 days from the date of clarification of these doubts for payment of the indemnity.

If decision on payment of indemnity is positive, in case of permanent incapacity for work, funds are transferred onto the customer’s account or credit repayment. In case of demise, funds are transferred for credit repayment, whereas the surplus funds above the credit debt balance are transferred to the person with valid court confirmation of acquisition of inheritance.

Note: Permanent incapacity for work means total inability to perform any paid work in any profession and inability to live without assistance, in consequence of an accident, occurring – and continuing for longer than 180 days – within the period of PZU Życie SA’s liability.

PZU Życie SA

PZU SA’s Info line at 801 102 102 or (22) 566 55 55.

Search engine for the addresses of PZU branches can be found at www.pzu.pl.

Life insurance constitutes collateral for mortgage loan and therefore it can be resigned from if customer:

• takes out insurance with another Insurance Company that is included on the list of Insurance Companies accepted by Bank Millennium, and
• after the Bank accepts the documentation concerning the insurance and it is adopted as collateral for residential credit, home equity loan or consolidation loan, the rights from the insurance agreement are assigned onto the Bank on the grounds of assignment.

Note: If in the credit agreement there is no provision about the option of individual insurance, change of the insurance requires annex to the credit agreement. Furthermore, resignation from the insurance requires prior application for resignation from the insurance submitted at Bank Millennium’s branch.

Step 1: Fill out the application for benefit payment

Step 2: Collect the necessary documentation along with an application for benefit payment (the list of documents can be found in the Terms and Conditions of the Insurance).

Step 3: Submit the required documentation to the nearest branch of Bank Millennium.

Remember that you may also submit the required documents directly to the Insurer in one of the following ways:

• in writing addressed to: ul. Gwiaździsta 62, 53-413 Wrocław, Poland,
• online at the following e-mail address: szkody@tueuropa.pl or via a communication tool made available by TU Europa at www.tueuropa.pl,
• by calling the TU Europa S.A.’s info line at 801 500 300 or 71 36 92 887 (from Monday to Sunday between 7:00 and 22:00),
• in person or by a representative to the Insurer’s head office.

TU Europa S.A.

BIURO REGIONALNE W WARSZAWIE
00-124 Warsaw
Rondo ONZ 1

BIURO REGIONALNE WE WROCŁAWIU
53-413 Wrocław
ul. Gwiaździsta 62

bok@tueuropa.pl

TU Europa S.A.’s info line at 801 500 300

If you resign from the insurance, you should:

• submit your statement of insurance resignation at any Bank Millennium branch, or
• send statement of insurance resignation to TU Europa S.A. to the following address: ul. Gwiaździsta 62, 53-413 Wrocław, Poland.

Your resignation statement should contain the following information:

• insurance referred to in the resignation,
• data of the person who resigns from the insurance,
• credit account number,
• date and signature of the person making the statement.

Note: The customer is entitled to the refund of the insurance fee for the unutilised period of the protection.

Step 1: Fill out the application for benefit payment

Step 2: Collect the necessary documentation along with an application for benefit payment (the list of documents can be found in the Terms and Conditions of the Insurance).

Step 3: Submit the required documentation within 30 days from the day when the insurance incident occurred to your nearest Bank Millennium branch.

Remember that you may also submit the required documents directly to the Insurer in one of the following ways:

• in writing addressed to: ul. Gwiaździsta 62, 53-413 Wrocław,
• online at the following e-mail address: szkody@tueuropa.pl or via a communication tool made available by TU Europa at www.tueuropa.pl,
• by calling the TU Europa S.A.’s info line at 801 500 300 or 71 36 92 887 (from Monday to Sunday between 7:00 and 22:00),
• in person or by a representative to the Insurer’s head office.

TU Europa S.A.

BIURO REGIONALNE W WARSZAWIE
00-124 Warsaw
Rondo ONZ 1

BIURO REGIONALNE WE WROCŁAWIU
53-413 Wrocław
ul. Gwiaździsta 62

bok@tueuropa.pl

TU Europa S.A.’s info line at 801 500 300

If you resign from the insurance, you should submit your statement of insurance resignation at any Bank Millennium branch.

Your resignation statement should contain the following information:

• insurance referred to in the resignation,
• data of the person who resigns from the insurance,
• credit account number,
• date and signature of the person making the statement.